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January 30, 2013






  • American General:
  • ING:
    • Cognitive Impairment form for ME
      In order to comply with the changes to the regulation in the state of Maine regarding Cognitive Impairment or Functional Impairment, the Maine Cognitive Impairment form is now required as a solicitation document.
    • What are the economic realities facing Americans as they look to build potential supplemental retirement income with the means to protect it?
  • MetLife:
  • Minnesota Life:
    • 3 Universal Life product enhancementseffective February 18th
      Performance Death Benefit Guarantee Agreement (PDBGA) on Eclipse Protector IUL
      Clients will soon be able to add the PDBGA to their Eclipse Protector policy, giving them the power to benefit from index performance and improve their guaranteed protection in multiple ways.
      Adding the EURO STOXX 50 to index options
      The EURO STOXX 50 will be added to the index option lineup. This index provides a Blue-Chip representation of the supersector leaders in the Eurozone. It covers 50 stocks from 12 European countries and will be replacing the Dow Jones Global ex-U.S. Index option. It offers a higher index crediting cap than the current Dow Jones Global ex-U.S. Index account.
      Capping variable loans charges
      To help ensure loan charges do not become unreasonable, a cap will be placed on the rate charged for variable loans for Eclipse and Eclipse Survivor IUL.
  • North American:
  • Prudential:
    • An IUL you can feel good about (video & materials)
  • Transamerica:
    • Monthly Disability Income (MDI) Rider now available in CA & IN
      The MDI rider is now available for Trendsetter Express in California and Indiana, and Trendsetter LB (Living Benefits) in Indiana. The MDI rider provides a monthly income for up to 24 months if the insured is totally disabled and qualifies.
    • Trendsetter LB (Living Benefits) now available in FL
      Trendsetter LB is now available in Florida. It features Chronic, Critical and Terminal Illness Accelerated Death Benefits built into the product (subject to state availability). It also offers non-med underwriting options up to $249,999 and a choice of 10-, 15-, 20-, 25- and 30-year level-premium periods.
  • United of Omaha:
    • FIT Underwriting Success Story: COPD
      Are you using our FIT Underwriting Credit Program to help your clients get the best offer? Download the Fit Test.
    • Why Quote Term Life Answers?
      Life insurance is essential to your clients’ planning.  They rely on you to guide them and provide solutions. Term Life is basic, affordable protection that is essential to a family’s overall financial planning.
    • New Aviation Exclusion for Guaranteed ADvantage in OH, UT & WY
      Guaranteed ADvantage accidental death insurance provides guaranteed coverage for all clients who apply. There are no occupational restrictions; however, beginning February 1st, a new aviation exclusion will be added.
    • Sales Scenario – Why Choose Standard (presentation)
      Preferred risk class may not always be the best option for your clients. Let’s walk through a scenario in which quoting Standard may help save a client sale.


  • Transamerica:
    • Free Partnership Training Only 2 days left!
      Meet your licensing requirements in 2013 with free DRA Partnership training from until January 31st through the LTC DRA Partnership Training website www.TALTCDRA.com.
    • Get paid faster & more often
      You may be eligible to increase the frequency of your commission payments from monthly to bi-weekly or weekly and get paid faster through direct deposit. It’s easy to get started!
      1. Log in at the Agent Resource Center (www.taltc.com)
      2. Click on “Commissions”; located under My Tools
      3. Select “Payment Options” & download the Contract Addendum and the Electronic Funds Transfer Form
      4. Print, complete and sign the forms
      5. Fax the completed forms to (866) 630-7496 or email to ltclicensing@transamerica.com
      Who is eligible?
      Only agents who are currently receiving commissions and commission statements directly from Transamerica Long Term Care are eligible.
      How long will it be, once I send in the forms, for statements and commissions to be available on a weekly or bi-weekly basis?
      You should be set up and see the new electronic statement and begin receiving electronic commissions in approximately a week. There may be a slight additional delay at first because of volume.
      Once I change my payment method, can I change it again?
      Once changed, you may change the frequency of your payments anytime. However, you will not be able to go back to paper statements or paper checks.
  • United/Mutual of Omaha:




  • American General:  
  • American National:
    • Cash is King 2013 (January 1, 2013 – April 30, 2013)
      Receive a CASH BONUS for the total of all Fixed Annuities written and paid.
      $1,000,001+: $1,000
      $750,001 – $1,000,000: $750
      $500,001 – $750,000: $500
  • John Hancock:
    • Benefit Builder Bonus(January 1, 2013 – June 30, 2013)
      By selling Custom Care III featuring Benefit Builder between January 1 and June 30, 2013, you can increase your earnings!
      Bonus Level 1 – $5,000-$17,499: 10% bonus
      Bonus Level 2 – $17,500-$34,999: 15% bonus
      Bonus Level 3 – $35,000-$2,000,000 – 20% bonus
      Details and program rules in the link above.
  • Symetra:
    • iPad Contest (ENDS TOMORROW, January 31st)
      Issue/pay a Symetra Classic policy before January 31, 2013 and you’ll receive a 16GB Apple iPad ($15,000 minimum annualized first-year premium)!